Checking Accounts
No Points. No Games. No Minimums.
We don't gatekeep your benefits behind spending goals and minimum balance requirements. No matter which account you choose, you can bank with confidence knowing your benefits are there when you need them.
At Industrial, we're committed to delivering benefits to our members that are transparent, valuable, and easy to use.
Universal Features
Early Payday
Get your paycheck up to 2 days early when you set up direct deposit using your routing and account number.
Get StartedDigital Tools. Anytime. Anywhere.
Managing your money has never been easier with our mobile banking experience. With all your accounts in one place you can take care of your day-to-day finances with ease. Whether you are depositing checks, paying bills, sending money, controlling your cards, or applying for loans, everything you need is right at your fingertips.
Download the Industrial Credit Union app to get started.
Frequently Asked Questions
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Why do you offer multiple checking account options?
We work hard to provide our members with exceptional value and to remain competitive with other offerings in the market. Our checking accounts provide valuable benefits and protections for our members.
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Can I have more than one type of checking account?
Yes, you can have more than one type of checking account. Please note that any monthly fees will be assessed per checking account, not per member. So, if you have two Epic Checking accounts, you will be charged a monthly fee of $5 for each account.
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When are monthly fees assessed?
Monthly fees associated with the account you choose will be assessed on the first day of each month.
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Why is the monthly fee for essential checking waived with eStatement enrollment?
The $2 monthly fee for Essential Checking is equivalent to what it costs us to send a paper statement to you each month. Industrial is committed to doing our part to keep Whatcom County green, and we strongly encourage all of our members to enroll in eStatements. Additionally, eStatements are delivered faster and are more secure than receiving a paper statement in the mail. For those reasons, we reward Essential Checking members enrolled in eStatements by waiving the monthly account fee.
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What is Everyday Savings?
Everyday Savings offers over 360,000+ local and national discounts on shopping, dining, travel and more. These discounts are available using a mobile app, making it easy to save money wherever you go. Our partnership with BaZing allows us to greatly expand our discount network and provide you with an enhanced member experience.
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Can I use my debit card to redeem deals instead of Everyday Savings?
No. If you are taking advantage of Everyday Savings by enrolling in Checking 360 or Epic Checking, you will need to log into Digital Banking or the Industrial app to redeem discounts. This allows you to track your savings, select favorite merchants and manage notifications about discounts near you.
1 Cell phone protection, personal identity theft benefit, and purchase protection are subject to additional terms and conditions. To be eligible for cell phone protection, your cell phone bill must be paid from your Checking 360 or Epic checking account.
2 Insurance products are: Not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.
3 Requires additional enrollment on BaZing.com
4 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and maty choose to limit deals.
5 Rates and terms may change at any time and without prior notice.
6 Annual value represents estimated potential savings and benefit values as of December 2025. Actual value varies based on individual benefit usage. Benefits are subject to applicable terms, conditions, limitations, and eligibility requirements. See the Value Proposition guide for additional details.
